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PayWay Net

PayWay is a simple, secure, internet-based solution to collect and manage customer payments.

Developer? Get a PayWay test facility and implement the Trusted Frame solution.

About PayWay Net

This page describes PayWay Net.

PayWay Net allows you to accept once-off online payments.

You can use PayWay Net for:

  • online sales
  • donations
  • invoice, statement or bill payments
  • stored value top-up.

Benefits

  • Customer service - online payments by credit card are quick and easy for your customers
  • Ease of integration - simply link to a payment page hosted by us, or build seamless integration with PayWay Trusted Frames
  • Reduce compliance scope - outsource processing of credit cards to reduce your PCI-DSS compliance scope.

How it works

PayWay Net is available as either a hosted payment page or trusted frame.

Hosted payment page Trusted frame
Payment pages hosted by us Embed PayWay trusted frame into your payment page
Accept credit cards and PayPal® Accept credit cards
Setup using online wizard Integrate using Javascript and REST API
Customise with your logo and customer reference number label Maintain full control over customer experience and branding
Receive an email when each payment is processed Receive a real-time response back to your server
Protect yourself with Fraud Guard and 3D secure Protect yourself with Fraud Guard
The above solutions allow you to be compliant with PCI-DSS SAQ A. This is the easiest level of compliance.

PayWay Net also allows for your shopping cart details to be securely displayed on a payment page hosted by us. This integration type has been replaced by the trusted frame solution.

Other APIs

PayWay supports other ways to interface with your software:

Other APIs Features
PayWay REST API As well as the PayWay Net Trusted Frame, use the PayWay REST API to:
  • Store credit card and bank account details and take payments using the stored details
  • Open virtual accounts for customers who pay you by direct debit/pay anyone
  • Process a file of credit card payments
  • Download a machine readable file listing all received payments for a day.

See PayWay REST API

PayWay Credit Card API Process payments by sending credit card details from your PCI-DSS compliant system.

See PayWay Classic Credit Card API.

Hosted payment page

  • Accept credit card and PayPal® payments on a page hosted by us
  • Protect yourself from fraud using 3D Secure
  • Customise with your logo and customer reference number label
  • Receive an email when each payment is processed.

No website development is required, but you may wish to add a link from your website to PayWay.

The Hosted Payment Page allows you to be compliant with PCI-DSS SAQ A. This is the easiest level of compliance.

Contact us to purchase PayWay Net. You must apply for a merchant facility in order to process credit card payments.

To setup PayWay Net:

  1. Sign in to PayWay
  2. Click Settings
  3. Click Company Details
  4. Set your contact details, social media sites and upload a logo
  5. Click Settings
  6. Click PayWay Net
  7. Choose No Website or Simple Link and follow the wizard.

Make a note of your Biller Code.

You can customise:

  • Your company logo
  • Name of reference number you collect (e.g. customer number, invoice number)
  • Rules for your customer reference number
  • Minimum and maximum payment amounts
  • Credit card surcharges.

To accept PayPal:

  1. Sign in to PayWay
  2. Click Settings
  3. Click PayPal Accounts
  4. Follow the wizard to link your PayPal® Business or Premier account to PayWay.

No website

If you do not have a website, once you have set up PayWay Net, tell your customers to:

  1. Visit the PayWay website
  2. Click Make a payment
  3. Enter your biller code and follow the prompts.

Your customers will enter a reference number so you know who paid.

Your customer browses to PayWay and makes a payment

To link to PayWay from a website you are building in HTML, copy and paste the example HTML link into the <body>.

Westpac link

<a href="https://www.payway.com.au/MakePayment?BillerCode=??????">Pay</a>

St. George link

<a href="https://payway.stgeorge.com.au/MakePayment?BillerCode=??????">Pay</a>

To link to PayWay from a website created with a content management system, add a link to this URL:

Westpac link

https://www.payway.com.au/MakePayment?BillerCode=??????

St. George link

https://payway.stgeorge.com.au/MakePayment?BillerCode=??????

Replace ?????? with your biller code from the Hosted Payment Page wizard.

Your customer follows link from your website to PayWay and makes a payment

To pass additional information to PayWay, you can add query string parameters to the URL.

This is useful if you want to:

  • pass details specific to the payment (reference, amount and customer email address)
  • accept payments for different reasons (e.g. fees, donations, events).

Settlement parameters

To choose which merchant or PayPal® facility to use, use these parameters:

Parameter Notes
merchant_id Choose which of your linked merchant facilities to use for this payment.
paypal_email Choose which of your linked PayPal® accounts to use for this payment.

Customer email

To pass the customer's email address to PayWay, use this parameter:

Parameter Notes
receipt_address Customer's email address for receipt emails

Payment reference parameters

The Payment Reference is used so that you know who has paid. This appears as 'Customer Reference Number' on PayWay transaction reports and the transaction search page. You may wish to use a customer number, membership number or invoice number.

To pass the payment reference to PayWay, use these parameters:

Parameter Notes
payment_reference Your reference for this payment.
payment_reference_required false if you do not want your customer to enter a reference number.
payment_reference_change true if you are passing payment_reference and want your customer to edit this value

To change the payment reference field name and validation rules, use these parameters:

Parameter Notes
payment_reference_text The label to the left of the payment reference field
payment_reference_text_help The message to the right of the payment reference field
payment_reference_minimum_length The minimum length allowed for the payment reference
payment_reference_maximum_length The maximum length allowed for the payment reference (at most 100)
payment_reference_check_digit_algorithm See list of supported algorithms below
Check Digit Algorithms
MOD10V01 for the Luhn algorithm
MOD10V05
MOD10V08
MOD10V17
A customer could easily change the payment reference by creating their own link. The Trusted Frame solution does not allow a customer to change the reference.

Payment amount parameters

To pass the payment amount to PayWay, use these parameters:

Parameter Notes
payment_amount Amount of the payment before any surcharge is added by PayWay
payment_amount_change true if you are passing the payment_amount and want your customer to edit this value
A customer could easily change the payment amount by creating their own link. The Trusted Frame solution does not allow a customer to change the amount.

To change the payment amount field name and validation rules, use these parameters:

Parameter Notes
payment_amount_text The label to the left of the payment amount
payment_amount_text_help The message to the right of the payment amount
payment_amount_minimum The minimum payment amount you accept
payment_amount_maximum The maximum payment amount you accept

This is useful if you accept payments for a variety of purposes e.g. both events and donations.

Trusted frame

The PayWay Trusted Frame solution allows you to:

  • Embed a PayWay trusted iframe in your payment page
  • Accept payments by credit card
  • Maintain full control over the user experience
  • Reduce your PCI-DSS compliance scope
  • Protect yourself with Fraud Guard
  • Integrate using Javascript and REST API.
You embed the PayWay Trusted frame in your page
This iframe solution allows you to be compliant with PCI-DSS SAQ A. This is the easiest level of compliance.

The trusted frame is part of the PayWay REST API.

For step-by-step instructions, see Trusted Frame Tutorial.

Screenshot of credit card frame

Shopping cart plugins

We have developed shopping cart plugins for:

  • Magento
  • osCommerce
  • PestraShop
  • UberCart
  • VirtueMart
  • ZenCart.

Many other plugins have been developed by shopping cart providers.

If you are developing a new plugin, use the Trusted Frame.

Reference

Test card numbers

Use the following credit card numbers with your test facility. All other card numbers will return 42 No universal account. An incorrect expiry date will return 54 Expired card.

The cardholder name does not matter.

Do not use in a live facility. Use only with merchantId of TEST.
Card Number Security Code Expiry Response
4564710000000004 847 02/29 08 Visa Credit Approved
4564030000000007 847 02/30 08 Visa Debit Approved
5163200000000008 070 08/30 08 Mastercard Credit Approved
5163610000000008 847 02/30 08 Mastercard Debit Approved
2221000000000009 009 01/30 08 Mastercard Approved
6226880000000000 453 11/25 08 UnionPay Approved
6226880000000018 453 11/25 05 UnionPay Declined
4564710000000012 963 02/25 54 Visa Expired
4564710000000020 234 05/30 51 Visa Low Funds ($10 credit limit)
5163200000000016 728 12/29 04 Mastercard Stolen
4564710000000046 123 06/25 08 Visa High Funds ($99,999,999.99 credit limit)
5163200000000040 321 09/25 08 MasterCard High Funds ($99,999,999.99 credit limit)
376000000000006 2349 06/30 08 American Express Approved
343400000000016 9023 01/29 62 American Express Declined
36430000000007 348 06/32 08 Diners Club Approved
36430000000015 988 08/31 43 Diners Club Stolen
3530000000000003 573 10/25 00 JCB Approved
3530000000000011 573 10/25 05 JCB Declined

Contact us

For sales, help and technical support contact us.

Disclaimer

The information contained in this publication is provided for learning purposes only and is subject to change. Revisions may be issued from time to time that encompass changes or additions to this module.

This is a guide only and it is not comprehensive. It does not impinge on or overrule any formal arrangement you may enter into with the Bank. The Bank and its officers shall not have any liability for any losses of any kind incurred in connection with any action, inaction or decision taken in reliance on the information herein or for any inaccuracies, errors or omissions. In this publication references to the "Bank" are to Westpac Banking Corporation ABN 33 007 457 141 and to any of its operating Divisions, including BankSA and St.George.